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0140933042 support@whapay.space Serving 180+ countries
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WhaPay
Register Free
Kenyan merchants accepting mobile payments online and offline
Live — 500+ Active Merchants

Accept Payments
Anywhere.
Even Offline.

M-Pesa, Visa, Mastercard, Google Pay — online or offline. Kenya's only payment platform that works without internet. Trusted by merchants from Nairobi to New York.

Register Free See Pricing 0140933042
Accepted: M-Pesa Visa Mastercard Google Pay 135+ Currencies
500+
Merchants
180+
Countries
KES 0
Total Volume Processed
Online
0 pending sync
Why WhaPay

The Complete Payment Platform for Kenyan Merchants

Works online, offline, and everywhere in between. No internet? No problem.

Offline Registration

Register via voice call or SMS – no internet needed. Dial 0140933042 or send REG YourName to the same number. Get your Member Code instantly.

Works on any phone
Call Now Send SMS

Member Code Payments

Pay using a merchant's Member Code (e.g., DK12345) – no internet required. Open M-Pesa → Lipa na M-PESA → Paybill → Enter Account = Member Code → Amount → PIN. Money goes directly to the merchant. WhaPay never holds funds.

100% secure – funds never leave M-Pesa

WhatsApp Payment Links

Share a unique payment link via WhatsApp – customers click, choose M-Pesa or card, and pay in seconds. Perfect for remote sales, invoices, and international payments. Powered by WhatsApp Cloud API.

Works for diaspora payments (USD, GBP, EUR)
Get Your Link

135+ Currencies

Accept payments from 180+ countries in their local currency – USD, GBP, EUR, AED, and more. Customers pay in their currency; you receive KES. Ideal for diaspora families and international clients.

🇺🇸 USD 🇬🇧 GBP 🇪🇺 EUR 🇦🇪 AED 🇨🇦 CAD

QR Code Payments

Generate a unique QR code for your business. Customers scan with their phone camera – they see your Member Code and can pay via M-Pesa Paybill instantly. Perfect for shop counters, posters, and offline marketing.

Print and display anywhere

Merchant Directory

Get listed in the WhaPay Merchant Directory – customers can find you by location, category, or name. Claim your listing after a paid transaction (card, Airtel, MTN, etc.) within 30 days. Boost visibility and attract new customers.

Verified merchant badge
Claim Your Listing

🌐 The Only Platform That Works Without Internet

Register via voice/SMS, pay using Member Code with M-Pesa Paybill, and sync automatically when you reconnect. WhaPay is built for Kenya's diverse connectivity landscape.

Call 0140933042 Register Free

Explore WhaPay in Depth

👆 How WhaPay Works – Simple Steps

1️⃣

Get Your Code & QR

Register online (WhatsApp) or offline (voice/SMS to 0140933042). Receive your unique Member Code and QR code instantly.

2️⃣

Share or Scan

Merchant shares their WhatsApp link, QR code, or Member Code. Customer scans or copies the code.

3️⃣

Pay & Confirm

Pay via M-Pesa or card (online) or Member Code + M-Pesa Paybill (offline). Both receive instant confirmation.

Offline payments sync automatically when you reconnect – send SYNC on WhatsApp to update your dashboard.

📈 How Much Could You Earn?

Enter your daily sales to see your monthly revenue potential with WhaPay

💱 Pay in Your Currency

See exactly what you pay in your local currency and what the merchant receives in KES

Exchange rates are approximate. Actual rates applied at time of transaction.

🌍 For the African Diaspora

Send Money Home.
Pay Family Businesses Directly.

No more Western Union queues. No more bank transfer delays. Pay Kenyan and African businesses directly from anywhere in the world using your local card.

🇬🇧

From UK

Pay in GBP using Visa, Mastercard, Google Pay or Apple Pay. Merchant receives KES instantly.

🇺🇸

From USA

Pay in USD using any US card or Google Pay. No SWIFT fees. No delays. Instant payment.

🇦🇪

From UAE

Pay in AED using UAE Visa or Mastercard. Support family businesses in Kenya from Dubai.

💡 How Diaspora Payments Work

1

Family/merchant shares WhaPay payment link via WhatsApp

2

You click the link from UK/USA/UAE

3

Pay with your local Visa, Mastercard, Google Pay or Apple Pay

4

Merchant in Kenya receives KES instantly via M-Pesa

Pay a Kenyan Merchant from Abroad

🏪 WhaPay Works For Every Business

From street vendors to enterprise — online and offline

🛒

Grocery & Retail

Shops, supermarkets, kiosks

💇

Salons & Beauty

Hair, nails, spa services

🏫

Schools & Tuition

Fee collection, subscriptions

🏠

Landlords & Property

Rent collection, deposits

🍽️

Restaurants & Food

Cafes, food stalls, delivery

📦

E-commerce & Online

Online stores, dropshipping

💻

Freelancers & Creatives

Designers, developers, writers

🤝

NGOs & Charities

Donations, fundraising

💳 Payment Methods & Currencies

What's live now and what's coming

✅ Live Now

M-PESA

STK Push & Paybill

Visa Card

Local & international

Mastercard

Local & international

QR & Member Code

Works offline

🔜 Coming Soon — Q3 2026

📱 Mobile Money

Airtel Money

Kenya

T-Kash

Telkom Kenya

Equitel

Equity Bank Kenya

MTN MoMo

East Africa

👛 Digital Wallets

Google Pay

Global

Apple Pay

Global

PayPal

Global

Samsung Pay

Global

🌍 International Currencies (Diaspora)

🇺🇸

USD

US Dollar → KES

🇬🇧

GBP

British Pound → KES

🇪🇺

EUR

Euro → KES

🇦🇪

AED

UAE Dirham → KES

🇮🇳

INR

Indian Rupee → KES

🇨🇦

CAD

Canadian Dollar → KES

🇦🇺

AUD

Australian Dollar → KES

🇸🇦

SAR

Saudi Riyal → KES

₿ Cryptocurrency

Bitcoin (BTC)

Crypto payment

USDT

Stablecoin

USDC

Stablecoin

Ethereum (ETH)

Crypto payment

🔔 Want to know when a new payment method launches?

We'll notify you on WhatsApp the moment it goes live.

Notify Me on WhatsApp
Transparent Pricing

Simple, No Surprises Pricing

No monthly fees. Only pay when you get paid. Free offline registration.

Most Popular

Pay‑as‑you‑go

KES 0 /month

No setup fee. No monthly fee.

  • 1.5% + KES 20 per card transaction
  • M-Pesa: Safaricom standard rates only (no WhaPay fee)
  • Free offline registration (voice/SMS)
  • WhatsApp payment links & QR codes
  • Basic dashboard & reports
Start Free

No credit card required

Best Value

Business Plan

KES 999 /month

For growing merchants

  • 1.0% + KES 20 per card transaction (lower fee)
  • M-Pesa: 0% WhaPay fee (Safaricom only)
  • Priority 24/7 WhatsApp support
  • Advanced analytics & CSV exports
  • Merchant Directory premium placement
  • Custom WhatsApp storefront
Upgrade Now

Cancel anytime

Enterprise

Custom

For high‑volume merchants

  • Volume‑based card fees (as low as 0.8%)
  • Dedicated account manager
  • API access & custom integration
  • Multi‑user dashboard
  • Priority phone & WhatsApp support
Call 0140933042

Talk to our team

🇰🇪 Why Kenyan Businesses Choose WhaPay

See how we compare to other payment gateways

Feature WhaPay Pesapal Paystack iPay
Offline Registration (Voice/SMS) ✅ Yes ❌ No ❌ No ❌ No
Offline Payment (No Internet) ✅ Yes (Member Code) ❌ No ❌ No ❌ No
Monthly / Setup Fees KES 0 From KES 1,999 KES 0 (higher transaction fees) From KES 2,500
Transaction Fee (Local card) 1.5% + KES 20 ~2.5% – 3.5% 2.9% + KES 10 ~2.0% – 3.0%
WhatsApp Payment Link ✅ Yes ❌ No ❌ No ❌ No
Multi‑Currency (135+) ✅ Yes ⚠️ Limited ⚠️ Limited ❌ No
Offline Sync ✅ Auto‑sync ❌ No ❌ No ❌ No
Never Hold Funds ✅ Yes ❌ No ❌ No ❌ No
*Fees are approximate and subject to change. Always check official websites.

📊 Calculate Your WhaPay Fees

❓ Pricing FAQs

Are there any hidden fees?

No. WhaPay charges only the transaction fee (1.5% + KES 20 on card) and the monthly plan fee (if you choose Business). M‑Pesa payments incur only Safaricom’s standard charges – we add nothing.

Do I pay for offline registration?

No. Registration via voice call or SMS to 0140933042 is completely free. You only pay when you receive card payments.

Can I downgrade or cancel my Business Plan?

Yes. You can cancel or downgrade anytime via your dashboard or by contacting us on WhatsApp. No penalties.

How are fees settled?

Fees are deducted automatically from the transaction amount before payout to your M‑Pesa or bank account. You receive the net amount instantly. No invoices, no manual payments.

Ready to Start Accepting Payments?

Join 500+ Kenyan merchants. Free registration, no monthly fees, pay only when you get paid.

Register Free Call 0140933042

No credit card required • Free forever • Cancel anytime

Get Started in Minutes

Choose Your Registration Method

No matter your internet connection, we've got you covered

Online via WhatsApp

The fastest way – works on any smartphone

  • Send "REGISTER" to +15556539447
  • Get Member Code instantly
  • Receive QR code via WhatsApp
Register Now

Offline via Voice Call

No internet? No problem

  • Dial 0140933042
  • Follow automated voice instructions
  • Get Member Code via SMS instantly
Call Now

Offline via SMS

Simple text, instant activation

  • Send REG YourName to 0140933042
  • Receive temporary code
  • Activate via WhatsApp to get permanent Member Code & QR
Send SMS

Register & Pay in One Step

Enter your details, complete payment, and optionally get your permanent WhaPay Member Code and QR – no separate registration needed.

We'll send payment confirmation and your Member Code via WhatsApp.

How Registration Works

1

Choose Your Method

Pick from WhatsApp (online), voice call, or SMS – all free. Use WhatsApp, dial 0140933042, or send an SMS.

2

Receive Your Member Code

You'll get a unique Member Code (e.g., DK12345) and a QR code. This is your identifier for payments – no internet needed to use it.

3

Start Accepting Payments

Share your WhatsApp payment link or QR code with customers. They pay via M-Pesa or card – you get confirmed instantly. Even offline via Member Code.

Offline Sync Status

No pending registrations.

Online

What Our Users Say

A

Alice W.

Registered via SMS

"I don't have a smartphone, so I registered via SMS. I got my Member Code in minutes. Now my customers pay me using M-Pesa even when I'm offline."

J

James O.

Registered via WhatsApp

"The WhatsApp registration was super fast. I got my QR code and payment link within seconds. My customers love the convenience."

Ready to Join 500+ Kenyan Merchants?

Register now – it's free, takes 2 minutes, and works offline.

Register via WhatsApp Call 0140933042 Send SMS

No internet? No problem. Voice and SMS registration are always free.

Simple & Secure

Three Ways to Pay

Choose the method that works best for you – online or offline.

WhatsApp Link

Click the link → choose M-Pesa or card → pay instantly

Scan QR Code

Scan with phone → enter amount → pay instantly

Member Code (Offline)

Use code with M-Pesa Paybill – no internet needed

💳 Pay via Member Code (Offline)

Enter the merchant's Member Code – no internet needed. Payment is made via M-Pesa Paybill.

📷 Pay via QR Code

Scan the merchant's QR code with your phone camera, then enter the amount and pay.

Place your phone's camera over the QR code to scan.

📲 WhatsApp Payment Link

Share a payment link via WhatsApp – customers click, choose M-Pesa or card, and pay instantly.

🌍 Pay Anyone

Pay using a merchant's Member Code, phone number, or Paybill/Till number.

🧾 Payment Receipt

After payment, you'll receive a receipt via WhatsApp and SMS. Here's a sample:

🏪 *WHA PAYMENT RECEIPT*

━━━━━━━━━━━━━━━━━━━━━

Transaction: TXN_123456

Merchant: John's Store (DK12345)

Amount: KES 500

Fee: KES 20

Total: KES 520

━━━━━━━━━━━━━━━━━━━━━

Status: ✅ SUCCESS

Thank you for using WhaPay!

📡 Offline Payment Sync

Payments made offline are stored locally and synced automatically when you reconnect.

Pending payments: 0

Merchant Dashboard

Welcome back, Merchant (Code: DK12345)

Online Support

Total Revenue

KES 0

Lifetime earnings

Transactions

0

All time

This Month

KES 0

30‑day rolling total

Pending Sync

0

Offline items

Revenue (Last 7 Days)

KES

Recent Transactions

ID Customer Amount Method Status Date
Loading transactions...

Showing 0 transactions

🛍️ Products & Storefront

No products yet. Add your first product!

📋 Subscription Plan

Free

Current plan: Pay‑as‑you‑go

Card fee: 1.5% + KES 20

Monthly cost: KES 0

KES 999/mo – 1.0% + KES 20 per card

📡 Offline Sync

0 pending items

Find a Merchant

WhaPay Merchant Directory

Discover verified merchants across Kenya and beyond. Pay them instantly via Member Code, WhatsApp, or QR.

Loading merchants...

📌 Claim Your Directory Listing

Already a WhaPay merchant? Verify your Member Code and claim your listing to attract more customers.

Offline-First

Offline Sync System

Track, manage, and sync all your offline registrations and payments automatically when you reconnect.

Total Pending

0

Ready to Sync

0

Synced

0

Failed

0

Online — All synced

Pending Items

0 items

No pending items. Everything is synced!

Sync History

No sync history yet.

How Offline Sync Works

1

Store Offline

Registrations and payments are saved locally using IndexedDB (via localForage) when you're offline.

2

Auto-Sync

When you reconnect, items are automatically sent to the server for processing.

3

Retry Logic

If a sync fails, we automatically retry with exponential backoff (up to 5 attempts).

4

Conflict Resolution

Server wins by default. You can view and retry failed items manually.

Need help with offline sync?

Our support team is ready to assist you.

WhatsApp Support Call 0140933042
Your Account

Profile & Settings

Manage your personal information, security, and preferences.

Guest User

Not logged in

🔒 KYC Verification

Not Verified

Verify your identity to unlock higher transaction limits and access premium features.

Status

Not started

Limit

KES 150,000 / month

🔔 Notification Preferences

🔐 Security Settings

Change Password

Update your password regularly to keep your account safe

Two-Factor Authentication (2FA)

Add an extra layer of security to your account

Login Sessions

View and manage active sessions

Delete Account

Permanently delete your account and all data

Need help with your account?

Our support team is here to assist you.

WhatsApp Support Call 0140933042

Media & Press Resources

Download our official logo, screenshots, and fact sheet.

📥 Download Press Kit

For media inquiries: pr@whapay.space